Public Bank Quantum MasterCard credit card

Also available as Visa

Public Bank Quantum MasterCard

Have no annual fees for life and get more spending benefits out of your credit card such as 5% cashback, 0% EPP and VIP Points!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Enjoy up to 5% Cashback on Online & Dining Transactions

Get complimentary RM200 Touch 'n Go Card with you new Public Bank Quantum MasterCard

Exclusively for Maxis users

Free Nescafe Dolce Gusto Coffee Maker with your new Public Bank Credit Card!

Apply online now for Public Bank Quantum MasterCard

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Because you should be rewarded for giving the bank your business

Don't forget to flash your Quantum MasterCard when the waiter issues the bill to you as you can get 5% cashback on dining. And this cashback applies to online transactions too!
Discover how much you can save when you shop with your new Public Bank Quantum MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Online ShoppingSpendany amount5%RM30any amount
DiningSpendany amount5%RM30any amount
Pay more and earn more as every Ringgit you spent with the Quantum MasterCard, you are actually rewarding yourself a 1 VIP Point.
VIP Points
1 point on every RM1local retail transactions
2 points on every RM1overseas retail transactions
Your VIP Points earned expires in  3 years
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from low one-time upfront interest starting from 0%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000 
Learn more about Public Bank Balance Transfer
Easy Payment Plan (EPP)
Exclusive for Quantum MasterCard cardholders, you are entitled to a flexi-payment offer that will give you 0% interest for 12 months. You only need to spend a minimum of RM1,200.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% one-time upfront handling feefrom RM2000 
12 months3% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for life for supplementary card
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Contact-less Payment Methods
MasterCard PayPass


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank Quantum MasterCard review

What's so good (or not so good) about it?

Shopping and dining are two most celebrated activities in life. You can do both while taking advantage of cashback and rewards with Public Bank Quantum MasterCard Credit Card.

No Annual Fee

You must be thinking that there is a catch, right? But no! There is absolutely no hidden motive behind it. Both principal and supplementary cardmembers can equally enjoy a free-for-a-lifetime service without any conditions.

You can say bye-bye to credit cards which charge you steep annual fee and turn to Public Bank Quantum MasterCard.

5% Cashback

Swipe away on dining and online purchase and easily earn 5% cashback for every transaction. This is particularly attractive if you’re a food lover; you are going to love spending with Public Bank Quantum MasterCard, whether eating out or simply ordering food online. 

You can spend as many as your palate desires; the cashback, however, is capped at RM30 per month.

2x VIP Points

Exude your inner Very Important Person when you swipe with Public Bank Quantum MasterCard as you will earn VIP Points for every Ringgit spent! 

It’s very easy to harvest VIP Points: The higher the amount you sepnt, the higher the reward points. For instance, spend RM3,000 on Chanel purse in Malaysia, you can easily accumulate 3,000 VIP Points already. In fact, you can double your VIP Points for every RM1 spent on retail when you are traveling overseas!

0% Flexipay for 12 months

Paying back a large amount of outstanding debt within 20-day period can be a daunting task if you don’t have enough cash. Unstressed yourself and enjoy a 0% one-time upfront interest for up to 12 months with an exclusive flexi-payment plan.

Just make a minimum transaction of RM1,200, then call Customer Service at +603 21768000 (or write to 3 days after the purchase or 5 days before settlement date) to convert the amount to Public Bank Flexipay Plan.

24/7 Help Desk

If your credit card is stolen, tampered with or broken, there is a dedicated, round-the-clock Help Desk who is ready to assist you for any credit card-related emergencies. Just dial +603 21768333.

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